The best free personal finance software for Windows keeps track of your finances in real-time. It lets you plan the budget, keep track of your budget, remind you of the bills, and show the balance after deducting the bills & investment, etc.
The best personal finance software keeps track of sales and purchases, income, and expense reports for your performance on a planned budget. All these features help you with managing your finances and improving investments and credit scores.
If you’re looking for the best personal finance software for Windows 10, we’ve got them all here in one place for you. We’ve found the top-rated and most popular personal finance software for Windows 10 and provided a free download link to each of them so that you don’t have to go searching on your own. These personal finance software programs offer many features that will not only help you with your budget but also help manage every aspect of your personal finances such as tracking your spending, saving money, and even investing your money
Personal Finance Software application is designed to help you keep track of your personal finances in real-time, plan your budget and improve your investments.
Banktivity
Banktivity enables users to analyze, synchronize, and integrate bank accounts. Banktivity eases the process of combining checks, savings, credit cards, investments, and other accounts. Banktitvity enables users to categorize transactions regardless of whether they input the transactions manually or use the built-in bank connectivity options. This enables users to identify various spending habitats across accounts, even though the user and a partner have separate credit cards. Budgets in Banktivity enable users to enumerate spending targets in any category (e.g. Groceries) and their bills are automatically used to build up a budget.
Moneydance
Best for personal finance management.
Moneydance is an application for personal finance. It supports Windows, Mac, Linux, Android, and iOS platforms. It has the capabilities of online banking, bill payment, account management, budgeting, and investment tracking.
It supports multiple currencies. It provides a summary of your finances that includes account balances, upcoming and overdue transactions, reminders, etc.
Features:
- Moneydance has features for downloading transactions and sending payments online. For this, it supports a lot of financial transactions.
- It provides the facility to create graphs and reports for your income and expenses.
- It has Account Registers for entering, editing, and deleting transactions in an account.
Verdict: Moneydance is a personal finance software that is easy to use. It provides all the features required to manage personal finances. It will easily handle any financial task. Moneydance has various functionalities including online banking and setting up reminders for payments.
Price: Moneydance offers a free trial. You can buy the tool for $49.99. It has a 90-day money-back guarantee.
CountAbout
CountAbout is a functional and easy-to-use personal finance software that imports data from Quicken and Mint and then automatically syncs data from banking, credit card, or retirement accounts. CountAbout is a cloud-based, mobile application that offers running register balances, standard, and custom categorization, and a clutter-free interface with no advertisements. With CountAbout, you are assured of never losing track of your finances. Setting up a budget in CountAbout is very easy. You can customize categorize and tags to suit your specific budgeting needs. With CountAbout you can also schedule recurring payments, track your remaining budget, and copy your budget.
GnuCash
Best for personal finance and ease of use.
GnuCash is the accounting software for personal use as well as for small businesses. This financial accounting software supports multiple platforms Windows, Linux, Solaris, Mac, BSD, etc. The software is intuitive and based on professional accounting principles.
For small businesses, it offers the functionalities of customer & vendor tracking, jobs, invoicing & bill payment, tax & billing terms, etc.
Features:
- GnuCash provides the features of double-entry accounting, small-business accounting, reports, and graphs.
- It has the features for Stock/Bond/Mutual Fund Accounts.
- It offers functionalities like QIF/OFX/HBCI Import and Transaction Matching.
- It has features for scheduled transactions and financial calculations.
Verdict: GnuCash is an easy-to-use and powerful platform. This personal financial accounting software offers the functionalities of tracking bank accounts, stocks, income, and expenses.
Price: GnuCash is available for free.
BankTree
BankTree is a personal finance software with basic budgeting and reporting features. It helps you to manage all your accounts in one application. You can get BankTree on your desktop PC, Android phone and tablet, or Apple phone and iPad. BankTree allows you to connect to your bank directly. It also allows you to connect to banks and credit unions, or you can upload files from your financial institution with your current balance and recent transactions. BankTree has solid financial-management tools, but in case you want to connect to your accounts directly rather than download and import your transactions.
YNAB
Best for personal budgeting.
YNAB is an acronym for You Need A Budget. It is personal budgeting software. It supports Windows, Mac, and iOS platforms. It provides the features of bank syncing, goal tracking, real-time updates, reports, and personal support.
Features:
- YNAB supports multiple currencies.
- It gives you real-time information from any device.
- It provides the features of goal tracking.
- It can provide reports on your progress.
Verdict: YNAB is an easy-to-use software that provides the four rules to help you with budgeting. The tool will guide you in the management of money. It will give you complete control over your money.
Price: A free trial is available for 34 days. YNAB offers monthly ($11.99 per month) as well as annual plans ($84 per year).
Money
Money is a user-friendly, beautifully designed accounting application that enables users to be in control of their finances. It is available on Mac OS and iOS devices. Money brings all the expert features in a beautiful and easy-to-use package. Its features include direct downloads, data import, automated payees, tax, investment, account reconciliation, iCloud, multitasking, and security. Money allows users to track their daily and long-term investments anywhere, anytime. With Money, users can oversee a large number of accounts and manage finances with multiple currencies.
Mvelopes
Mvelopes is an online personal finance management site that uses the envelope system (where money is set aside for expenses, in actual envelopes) of allocated spending to help you budget your money. In this way, it’s easy for you to understand. Mvelopes simply apply innovative financial software technology to the traditional method of budgeting using envelopes. So, it’s the modern equivalent of the old-school envelopes system. It also supports roll-over monthly budgeting. Mvelopes will enable you to create virtual envelopes and ‘’fill them” with money so you can access and view remaining amounts throughout the month, which will prevent overspending.
Features:
- The basic edition will let you connect your bank accounts and create an online envelope budget.
- With the Premier and Plus plan, you will get access to Mvelopes learning center, debt reduction center, and initial setup assistance.
- For the Plus plan, Mvelopes offers the features like a dedicated personal coach, personalized financial plan, and high-level priority support.
Verdict: This envelope budgeting system will help you gain financial peace of mind. It is a simple and affordable budgeting program. With Mvelopes, you will be able to manage your finances from anywhere.
Price: Mvelopes offers a free trial for 30 days. Basic ($5.97/month or $69 per year), Premier ($9.97 per month or $99 per year), & Plus ($19.97 per month or $199 per year)
Qapital
Qapital is a personal finance mobile application for Android and iOS, developed by Qapital, Inc. The app creates a new way to the bank. Users get to save for the things they want, just by doing the things they do. Qapital makes saving effortless, motivating, and even a little fun. All Qapital accounts are FDIC-Insured. Qapital also offers an interest-bearing checking account, the Qapital account, and the Qapital Visa Card – a debit card designed to help track day-to-day spending. Users can save for their goals whenever they swipe, see their weekly spending and savings in one place.
KMyMoney
KMyMoney boasts of being one of the best personal finance managers for free users. It’s a personal finance manager. It enables users of open-source operating systems and applications to keep careful track of their personal finances by providing a broad array of financial features and tools. It’s accurate, this is assured because it uses time-tested double-entry accounting principles that help ensure that your finances are kept in the correct order. KMyMoney is easy to use in that it strives to be the easiest open source personal finance manager to use, this is more so for the non-technical user.
Mint
Mint is a top choice among free money-management and budgeting software. Mint is a simple personal financial program that’s web-based. It has a simple clean interface that’s easy to use. It displays all your activities by category and gives you updated information on your synced bank and credit card accounts. It will work well for you when it can see your entire financial picture, this includes entering all your accounts like savings, credit cards, assets like cars, and real estate. Once you enter all this data, Mint will accurately suggest budgets, goals and display your net worth.
Alzex Personal Finance
Alzex Personal Finance is free accounting software that uses grouping expenses and income into categories. Through this, users can see where money is going and how much is spent at a single glance, without the need to examine the reports. Alzex Personal Finance offers simplicity in its category and enables users to see at once from the summary view the way their money is spent, the total sum, and the percent structure for categories. Alzex Personal Finance meets the needs of users. It includes making more realistic budgets, getting out of debt, or teaching others how to use financial software.
Doxo
Doxo is a service that allows you to organize and manage all your accounts in one place. It’s a secure way to pay your bills with just one login. On Doxo, each company has a profile page with important contact information. Your company will show up on doxo if at least one customer has added you to the doxo provider network, and is also using doxo to connect with your company and make payments. Doxo helps you schedule your payments, monitor status, and track your bill payment history. Doxo also allows you to add all your bills and accounts.
Honeydue
Best for couples to manage finances.
Honeydue is an application that helps couples to manage their finances together. It is a smart tool that provides instant notification and real-time balances & budgets for each partner. It is a collaborative tool. It is a secure platform and offers real-time card locks functionality. It offers 24*7 fraud protection.
Features:
- Honeydue has the features to access cash from more than 55,000 surcharge-free ATMs, Apple, and Google Pay.
- With Honeydue joint bank account, the couples will be able to bank together.
- Honeydue supports multiple languages.
- It provides reminders for bills.
Verdict: Honeydue is a mobile application that will let couples collaborate on their terms. It offers the functionalities for tracking all the accounts, coordinating bills, and chatting. Honeydue is working on automatic bill payment features too.
PocketGuard
Best for categorization & organization of your expenses.
PocketGuard is the tool that will help you with categorizing and organizing expenses. It will categorize and organize your expenses into tabs and graphs. It will set aside the money for bills, goals & necessities and give you a clear view of spendable money. You can link all your bank, credit cards, and loans & investment in one platform.
Features:
- PocketGuard has features to personalize the reports with custom categories and hashtags.
- It provides the feature of AutoSave that will automatically grow your savings. You just have to enter your goal of saving and the tool will handle the rest.
- It will track the bills and negotiate better deals for cell phone bills, cable bills, etc.
Verdict: PocketGuard will help you with optimizing your spending and thereby grow the savings. You can see all accounts in one place and will be able to keep track of your account balances, net worth, etc.
Price: PocketGuard offers a free plan and a Plus plan. You can get a quote for its pricing details. As per the reviews, it may cost you $3.99 per month or $34.99 per year.
Conclusion:
Our approach to financial planning is built around the desire to leave a legacy that endures. We are committed to offering tools for investing, saving, spending, and giving— delivered whenever and however it’s most convenient for you.
That’s why our free personal finance software for windows 10 includes tools for tracking budgets, net worth, retirement planning, managing student loans, exploring investment scenarios, and more. It also offers advanced customization options to help you better tailor these tools for your specific needs.